Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local governmentworkers, National Compensation Survey, March 2013

(All workers with basic life insurance coverage = 100 percent)

Characteristics

Basic life insurance method of payment

Fixedmultiple ofannualearnings

Variablemultiple ofannualearnings

Flat dollaramount

Variabledollaramount

Other

All workers

37

2

54

5

2

Worker characteristics

Management, professional, and related

35

2

56

5

2

Professional and related

35

2

56

5

2

Teachers

33

1

59

5

2

Primary, secondary, and special education school teachers

30

1

62

5

2

Service

40

3

51

5

1

Protective service

37

4

53

6

1

Sales and office

38

–

52

6

–

Office and administrative support

38

–

52

6

–

Natural resources, construction, and maintenance

40

–

53

3

–

Production, transportation, and material moving

36

2

50

–

–

Full time

37

2

54

5

2

Part time

35

–

58

4

–

Union

33

2

56

8

[1]

Nonunion

41

2

51

3

4

Average wage within the following categories:2

Lowest 25 percent

38

1

55

3

3

Lowest 10 percent

45

–

51

–

2

Second 25 percent

39

2

51

5

3

Third 25 percent

40

3

49

6

3

Highest 25 percent

32

2

59

6

1

Highest 10 percent

35

2

59

5

[1]

Establishment characteristics

Service-providing industries

37

2

54

5

2

Education and health services

37

1

55

5

2

Educational services

36

1

56

5

2

Elementary and secondary schools

30

1

61

5

3

Junior colleges, colleges, and universities

51

–

40

5

–

Healthcare and social assistance

47

–

48

3

–

Hospitals

44

–

52

–

–

Public administration

36

3

53

7

2

1 to 99 workers

31

1

61

3

4

1 to 49 workers

27

–

62

–

–

50 to 99 workers

36

–

60

–

–

100 workers or more

38

2

53

6

2

100 to 499 workers

37

–

57

4

–

500 workers or more

38

2

52

6

2

State government

42

2

47

5

3

Local government

35

2

56

5

2

Geographic areas

New England

22

–

65

–

–

Middle Atlantic

37

1

47

15

–

East North Central

45

–

49

4

–

West North Central

47

–

46

5

–

South Atlantic

52

2

33

2

10

East South Central

50

–

43

–

–

West South Central

19

–

80

1

–

Mountain

35

–

61

–

–

Pacific

15

4

75

5

–

1Less than 0.5.

NOTE: Because of rounding, sums of individual items may notequal totals. Dash indicates no workers in this category or datadid not meet publication criteria. For definitions of major plans,key provisions, and related terms, see the "Glossary ofEmployee Benefit Terms" atwww.bls.gov/ncs/ebs/glossary20122013.htm.

2Surveyed occupations are classified into wage categoriesbased on the average wage for the occupation, which mayinclude workers with earnings both above and below thethreshold. The categories were formed using percentileestimates generated using data from the NationalCompensation Survey publication, "Employer Costs forEmployee&
nbsp;Compensation - March 2013."